Where is the way of financial poverty reduction under the new normal?

The Central Economic work Conference held in December 2014 made the deployment of "more targeting specific population and specific population to achieve accurate poverty alleviation". It has put forward higher requirements for Hebei Province to further speed up the construction of poverty alleviation demonstration areas (hereinafter referred to as demonstration zones). At present, Hebei Province is facing not only the general contradiction of "three-phase superposition", but also some special problems, such as great economic downward pressure, prominent structural contradiction, serious air pollution and so on. Under the background of the new normal of economic development, how can Hebei Province achieve the goal of building a well-off society in an all-round way as soon as possible, and ensure that the demonstration areas take the lead in getting rid of poverty and accurately getting rid of poverty? what is the way to financial poverty reduction? Professor Yang Weikun's book "Research on the path and Innovation of Financial Poverty reduction in the Poverty Alleviation demonstration Zone of Hebei Province" gives the answer. Based on the above research background, the book takes financial poverty reduction and path innovation as the starting point, and takes the effective realization of the dual goals of financial poverty reduction and sustainable development as the main line. using the achievements of theoretical and practical innovations such as financial poverty reduction, inclusive finance and microcredit, drawing lessons from the successful experience at home and abroad, combined with the analysis of typical cases, this paper deeply discusses the specific development and the causes of poverty in the demonstration areas of poverty alleviation in Hebei Province. Actively explore the financial poverty alleviation road with Hebei characteristics and promotion significance suitable for the development of the demonstration zone, and put forward targeted and operational countermeasures and suggestions. The main points put forward by the research results are as follows:

First, under the new normal, how to ensure that the demonstration areas take the lead in getting rid of poverty and precision out of poverty, relying solely on financial poverty alleviation, it is difficult to support with one arm, we need to rely on the strength of finance, give full play to the joint force of financial and financial leverage, and guide more social funds to participate in poverty alleviation, change "blood transfusion" into "hematopoiesis", enhance development vitality, and provide financial driving force for achieving the goal of building a well-off society in an all-round way at an early date.

Second, the construction of financial and financial accurate poverty alleviation system should be divided into three levels, namely, accurate identification-precise help-accurate management. Among them, accurate identification is the premise, accurate help is the key, and accurate management is the guarantee. Only by achieving the above three points can we achieve accurate poverty alleviation, truly achieve the "real poverty, real poverty alleviation" required by General Secretary Xi Jinping, and finally achieve accurate poverty alleviation.

Third, to study the issue of anti-poverty from the perspective of inclusive finance, to provide the poor with equal opportunities to participate in economic construction, can greatly promote the level of human capital and the ability to shake off poverty and become rich. The stratification of rural financial demand determines the stratification of rural financial supply and financial organizations, and constructs a multi-level, diversified and localized rural inclusive financial system based on cooperative finance and the division of labor and cooperation between commercial finance and policy finance. we will actively promote the innovation and development of the poverty alleviation model of rural microfinance in Hebei Province, and explore innovative financial ways to reduce poverty. It is the key to solve the problem of "the last kilometer" of financing for vulnerable groups in rural areas.

Fourth, microfinance institutions in poverty alleviation demonstration areas in Hebei Province should actively promote product innovation, management innovation and mechanism innovation, effectively achieve the dual goals of financial poverty alleviation and sustainable development, and assume the inherent social responsibility of microcredit. continue to pay attention to, support and serve vulnerable groups, stimulate the confidence and potential of the development of service objects, and create a financial pattern with endogenous driving force and sustainable operation. In order to achieve sustainable poverty alleviation of the poor.

Fifth, the government should bring microfinance into the mainstream financial system as soon as possible, provide a sound and clear legal framework and risk control procedures, a strong policy support system and a loose institutional environment, and gradually build a multi-level and multi-dimensional local financial supervision system of financial offices, banking supervision departments and industry associations to ensure the sustainable and healthy development of microcredit and constantly improve the rural inclusive financial system.

Generally speaking, the book "Research on the path and Innovation of Financial Poverty reduction in Poverty Alleviation demonstration areas in Hebei Province" is a theoretical work on the path innovation of financial poverty reduction in poverty alleviation demonstration areas in Hebei Province under the new normal background. not only the topic is of great significance, the perspective is novel, it is exploratory and innovative in theory, but also the research idea is clear, the structure is rigorous, the logic is strong, and the research method is standardized. It has reached the domestic cutting-edge level in this field, and has important academic value and practical significance. The book is a useful exploration of how to achieve financial poverty reduction path innovation under the goal of inclusive finance, and it is worth reading.